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​On Saturday, September 30, Congress passed and President Biden signed a bill to fund the government through November 17, 2023. The measure also extends the authorization for the National Flood Insurance Program (NFIP) through that date. Consequently, as of today you still have the ability to request new and renewal policies and coverage amendments for your clients who need NFIP policies.The NFIP, along with large portions of the rest of the federal government, was on track to expire at midnight on Saturday. The program's legal authority to operate is tied to the end of the federal government's fiscal year, which is September 30. While it…

​Your business clients who carry group health insurance coverage must start making a new filing to the federal government this year, and many of them may not know it. Agents and brokers are not required to do anything, but some of you may want to inform your clients.The filing is known as a Gag Clause Prohibition Compliance Attestation (GCPCA.) Health plan sponsors and issuers are required to submit it annually by December 31, with the first one required by the end of this year. When submitting the completed form, a plan sponsor or issuer is verifying that they have complied with a federal law that…

​It’s late September, bringing with it familiar signs of autumn …Cooler weather …Leaves changing colors …American football on TV five days a week …Pumpkin spice everything from lattes to lasagna, … andThe National Flood Insurance Program​ is about to lapse. Starting Sunday, you probably will be unable to write, renew or endorse flood insurance policies through the NFIP or any private insurers who issue NFIP policies.Yes, you silly people who believe that insurance markets should be stable, the NFIP’s authority to issue and renew flood insurance policies will expire at midnight on September 30 unless Congress passes a bill and the president signs it before…